Product claim settlement rule configuration method and device, electronic equipment and storage medium

Abstract

The invention relates to the technical field of insurance claim settlement and financial science and technology, and discloses a product claim settlement rule configuration method and device, electronic equipment and a storage medium, and the method comprises the steps: determining a target product to be subjected to claim settlement rule configuration in response to a product claim settlement rule configuration request; reading a plurality of target initial configuration assignments in a basic configuration template according to the product type and the product responsibility information of the target product; generating an initial claim settlement rule by using the plurality of target initial configuration assignments, and issuing the initial claim settlement rule to a rule receiver; and under the condition that feedback information returned by the rule receiver for the initial claim settlement rule is received, adjusting the initial claim settlement rule by adopting the feedback information to obtain a product claim settlement rule of the target product. The generation speed of the product claim settlement rule is accelerated, the overall working efficiency of claim settlement is also improved, and the claim settlement processing time is shortened.

Description

Technical Field

[0001] The present invention relates to the field of insurance claims and financial technology, and in particular to a method, device, electronic device and storage medium for configuring product claims rules. Background Art

[0002] In the insurance industry, configuring product claims rules is an important step. The configuration of product claims rules mainly includes the configuration of liability type, liability configuration, settlement configuration, and pre- and post-rule configuration for each insurance liability. These configurations provide basic data support for claims settlement and ensure the accuracy and efficiency of the claims process.

[0003] In the related art, the configuration of claims rules for new products usually requires operators to manually configure them one by one. The applicant realizes that this process is not only cumbersome and complicated, but also requires a lot of human resources. Operators need to spend a lot of time and energy on providing simple, repetitive, and low-value labor, which restricts the improvement of the overall claims work efficiency and leads to a longer time for claims processing. Summary of the invention

[0004] The present invention provides a configuration method, device, electronic device and storage medium for product claim rules to solve the technical problem that operators need to spend a lot of time and energy on providing simple, repetitive and low-value labor, which restricts the improvement of the overall claim work efficiency and leads to prolonged claim processing time.

[0005] In a first aspect, a method for configuring a product claim settlement rule is provided, including:

[0006] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0007] Reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product;

[0008] Generating initial claim rules by using the multiple target initial configuration assignments, and sending the initial claim rules to a rule receiver;

[0009] When the feedback information returned by the rule receiver in response to the initial claim settlement rule is received, the initial claim settlement rule is adjusted using the feedback information to obtain the product claim settlement rule of the target product.

[0010] In a second aspect, a configuration device for product claim rules is provided, including:

[0011] A determination module, configured to determine a target product for which claim rules are to be configured in response to a product claim rules configuration request;

[0012] A reading module, used for reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product;

[0013] A generation module, used to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and send the initial claim settlement rule to a rule receiver;

[0014] The adjustment module is used to adjust the initial claim rules using the feedback information returned by the rule receiver for the initial claim rules to obtain the product claim rules for the target product.

[0015] In a third aspect, an electronic device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, the steps of the method for configuring product claims rules as described in any one of the first aspects above are implemented.

[0016] In a fourth aspect, a storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method for configuring product claim rules as described in any one of the first aspects above are implemented.

[0017] In the scheme implemented by the configuration method, device, electronic device and storage medium of the above-mentioned product claim rules, in response to a product claim rule configuration request, the target product for which the claim rules are to be configured is determined, and multiple target initial configuration assignments are read in the basic configuration template according to the product type and product liability information of the target product. The initial claim rules are generated using the multiple target initial configuration assignments, and the initial claim rules are sent to the rule receiver. When feedback information returned by the rule receiver for the initial claim rules is received, the initial claim rules are adjusted using the feedback information to obtain the product claim rules for the target product. When a new insurance claim product is launched or the existing product claim rules need to be adjusted, the server can automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human errors and speeding up the generation of product claim rules. At the same time, it also improves the overall work efficiency of claims and shortens the claims processing time. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0019] Figure 1 It is a schematic diagram of an application environment of a method for configuring product claim rules in one embodiment of the present invention;

[0020] Figure 2 It is a flow chart of a method for configuring product claim rules in one embodiment of the present invention;

[0021] Figure 3 It is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0022] Figure 4 It is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0023] Figure 5 It is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0024] Figure 6 It is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0025] Figure 7 It is a flowchart of a specific implementation method of a method for configuring product claim rules;

[0026] Figure 8 It is a structural schematic diagram of a configuration device for product claim settlement rules in one embodiment of the present invention;

[0027] Fig. 9 is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0028] Fig.10 It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0029] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0030] The configuration method of product claim rules provided by the embodiment of the present invention can be applied in the following aspects: Figure 1 In an application environment, the client communicates with the server through a network. The server can receive a user's product claim rule configuration request through the client, respond to the product claim rule configuration request, determine the target product to be configured with the claim rule, read multiple target initial configuration assignments in the basic configuration template according to the product type and product liability information of the target product, generate initial claim rules using multiple target initial configuration assignments, send the initial claim rules to the rule receiver, and adjust the initial claim rules using the feedback information returned by the rule receiver for the initial claim rules to obtain the product claim rules for the target product. In the present invention, when a new insurance claim product is launched or the existing product claim rules need to be adjusted, the server can quickly respond to the claim rule configuration request, automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product, and generate preliminary claim rules. This process does not require manual intervention, reduces the possibility of human error, and speeds up the generation of product claim rules. In addition, the technical solution of the present invention is also highly flexible and adaptable. After the rule receiver receives the initial claims rules and provides feedback for adjustment, the server can immediately adopt these feedbacks and further optimize the rules to ensure that the final generated product claims rules are both in line with product characteristics and meet market demand. This not only improves the competitiveness of insurance claims products, but also enhances customer satisfaction and trust, and provides strong support for the digital transformation and intelligent upgrading of enterprises. Among them, the client can be but is not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The server can be implemented with an independent server or a server cluster consisting of multiple servers. The present invention is described in detail below through specific embodiments.

[0031] See also Figure 2 As shown, Figure 2 A flowchart of a method for configuring product claim rules provided by an embodiment of the present invention includes the following steps S40 to S70:

[0032] S40: In response to the product claim settlement rule configuration request, determine the target product for which claim settlement rule configuration is to be performed.

[0033] The configuration method of product claim rules provided by the present invention can be applied to the rule configuration of various types of insurance claim products, whether it is health insurance, life insurance, property insurance or liability insurance, etc., the technical solution of the present invention can realize rapid customization and optimization of claim rules. In addition, for insurance companies that frequently update claim policies or launch new products, the solution of the present invention can significantly shorten the product launch cycle and ensure that the claim rules keep pace with market changes. In addition to the insurance industry, the technical solution of the present invention is also applicable to other fields that require complex rule configuration and dynamic adjustment, such as loan approval rules in financial services, return and exchange policies on e-commerce platforms, and compensation standards in the logistics industry. In these scenarios, the technical solution of the present invention can help enterprises quickly respond to market changes, improve service efficiency and customer experience, and realize intelligent upgrades of business processes through automated configuration and feedback adjustment mechanisms.

[0034] A product claim rule configuration request can be a new product claim rule setting requirement submitted by a user through the front-end interface, or a configuration task automatically triggered by the server according to the product update plan. A product claim rule configuration request indicates which product needs to generate product claim rules, and the product indicated by the product claim rule configuration request is also the target product.

[0035] In order to implement the technical solution of the present invention, it is necessary to generate a basic configuration template in advance, such as Figure 3 As shown, the process of generating a basic configuration template includes the following steps S10 to S30:

[0036] S10: Acquire a plurality of preset responsibility items, and determine at least one matching designated product for each responsibility item among a plurality of products for which rule configuration has been completed.

[0037] Among them, the server will first obtain a series of preset liability items. These liability items are clauses in insurance products that are used to clarify the scope, conditions and standards of compensation, such as medical expense compensation, property damage compensation, etc. Subsequently, the server will analyze the products that have completed the rule configuration. These products have set detailed product claims rules according to needs and rules. In this analysis process, the server finds at least one matching designated product for each liability item. The claims rules of these designated products clearly include the liability item, that is, the product claims rules of the designated products that match the liability item include the liability item. For example, if the liability item is "medical expense compensation", the server will use the insurance product that contains the medical expense compensation clause in the product claims rules as the designated product that matches the liability item, thereby ensuring that each liability item can find at least one closely related designated product as a reference, which provides a basis for the subsequent setting of product labels and initial configuration assignment.

[0038] S20: Setting at least one product label and initial configuration value for each responsibility item.

[0039] After determining the correspondence between the liability items and the products, the server begins to set at least one product label and initial configuration value for each liability item. The product label is a concise and clear identifier used to distinguish the product types or characteristics associated with different liability items. For example, set labels such as "health insurance" or "medical expenses" for the liability item of medical expense compensation. At the same time, the server will also set an initial configuration value for each liability item. The initial configuration value represents the key parameters such as the amount of compensation, compensation ratio, and compensation conditions that the liability item may involve in different scenarios.

[0040] Specifically, when setting at least one product tag and initial configuration value for each responsibility item, the server will set at least one product tag for the responsibility item according to the product type of at least one designated product matching the responsibility item, and set the initial configuration value for the responsibility item with reference to the at least one product tag. When setting the initial configuration value for the responsibility item with reference to the at least one product tag, any of the following two methods can be used:

[0041] Method 1: Obtain default configuration parameters that match at least one product tag, use the item default values ​​in the default configuration parameters to set initial configuration values ​​for the responsible item, and use the sub-item default values ​​in the default configuration parameters to set initial configuration values ​​for at least one sub-item included in the responsible item, to complete the operation of setting initial configuration values ​​for the responsible item.

[0042] In method one, when the server sets the initial configuration value for the responsibility project, it will first look for the default configuration parameters that match it based on the product tag associated with the responsibility project. These default configuration parameters are pre-set, and are a series of configuration values ​​for different product types or product tags. They represent the most appropriate initial settings for this type of product in most cases. When the server finds the default configuration parameters that match the product tag of the responsibility project, it will use the project default values ​​in these parameters to directly set the initial configuration for the responsibility project itself. At the same time, for at least one sub-project contained in the responsibility project, the server will also refer to the sub-item default values ​​in the default configuration parameters to set the initial configuration for each sub-project separately, thereby realizing the automated assignment of the initial configuration of the responsibility project and its sub-projects, significantly improving configuration efficiency, and reducing the time and labor costs required for manual configuration.

[0043] For example, for the liability item "compensation for hospitalization medical expenses", assuming that its product label is "health insurance-hospitalization medical care", the server will search for default configuration parameters that match the "health insurance-hospitalization medical care" product label. The default configuration parameters may include some common settings such as compensation ratio, compensation limit, and deductible, such as stipulating that the compensation ratio for hospitalization medical expenses is 80%, the compensation limit is 100,000 yuan per year, and the deductible is 500 yuan per hospitalization. Based on this default configuration parameter, the server will set the initial configuration value for the "hospitalization medical expenses compensation" liability item, that is, the compensation ratio is 80%, the compensation limit is 100,000 yuan per year, and the deductible is 500 yuan per hospitalization. If the "hospitalization medical expenses compensation" liability item also contains sub-items, such as "drug expense compensation" and "examination expense compensation", the server will also refer to the sub-item default values ​​in the default configuration parameters to set initial configuration values ​​for these sub-items.

[0044] Method 2: Input at least one product label and responsibility item into the assignment model, set initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting initial configuration assignment for the responsibility item.

[0045] Among them, the second method is an automated configuration method based on machine learning or artificial intelligence technology. A value assignment model is pre-trained. The value assignment model can automatically output preset rule features that match the input product labels and responsibility items. These rule features contain information about how to set initial configuration values ​​for the responsibility items and their sub-items. By parsing these rule features, the server can quickly and accurately set initial configuration values ​​for the responsibility items and their sub-items. For details, see Figure 4 When setting the initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, the following steps S21 to S23 are included:

[0046] S21: Acquire multiple preset rule features output by the assignment model that match at least one product label.

[0047] The server passes at least one product label and liability item as input to the assignment model. The assignment model will search for multiple preset rule features that match these input information. These rule features may contain various configuration information about compensation ratios, compensation limits, deductibles, compensation conditions, etc. For example, for the product label "Health Insurance-Hospitalization Medical Care", the assignment model may output a series of rule features related to hospitalization medical expense compensation, such as "the compensation ratio should be between 70%-90%", "the compensation limit should be adjusted according to age and insured amount", etc.

[0048] S22: Using the value assignment model, determine at least one corresponding target preset rule feature for the responsibility project and each sub-project from a plurality of preset rule features.

[0049] After obtaining multiple preset rule features, the server needs to filter out the target preset rule features that are most relevant to the responsible project and each sub-project.

[0050] For example, for the "drug expense compensation" sub-item under the "hospitalization medical expense compensation" liability item, the server will filter out target preset rule features related to drug expense compensation from multiple rule features, such as "the drug expense compensation ratio should be 85%" or "drug expense compensation should be included in the total compensation limit" and other preset rule features as the target preset rule features corresponding to "drug expense compensation".

[0051] S23: Using the feature information of the corresponding at least one target preset rule feature, set initial configuration values ​​for the responsibility project and each sub-project, and complete the operation of setting initial configuration values ​​for the responsibility project.

[0052] After determining the target preset rule features for the responsibility project and each sub-project under the responsibility project, the server can use the feature information of these rule features to set initial configuration values ​​for the responsibility project and each sub-project.

[0053] For example, for the "hospitalization medical expenses compensation" liability item, the server will set the initial configuration value for it to be "85% compensation ratio, 150,000 yuan per year compensation limit" based on the compensation ratio and compensation limit information in the target preset rule characteristics. Similarly, for the "drug expense compensation" sub-item, the server will also set the initial configuration value for it based on the corresponding target preset rule characteristics.

[0054] In this way, the second method realizes the automated configuration process based on the assignment model, so that the server can set reasonable initial configuration assignments for the responsible project and its sub-projects more quickly and accurately.

[0055] S30: Build a basic configuration template by using multiple responsibility items that complete product label settings and initial configuration value settings.

[0056] After completing the product label and initial configuration value setting of the responsibility items, the last step of building the basic configuration template is entered. In the last step, the server will integrate all the responsibility items that have been labeled and assigned to form a basic configuration template with a clear structure and complete content. The basic configuration template not only contains the basic information of each responsibility item, but also establishes the association between the responsibility items and the product type and rule configuration through product labels and initial configuration values. In the subsequent product claim rule configuration process, the server can quickly retrieve the matching initial configuration value from the basic configuration template according to the type and responsibility information of the target product, and further customize the rules based on this, which greatly improves the efficiency and accuracy of the configuration process.

[0057] S50: Read multiple target initial configuration assignments in the basic configuration template according to the product type and product responsibility information of the target product.

[0058] After determining the target product, the server will read the corresponding initial configuration assignment from the preset basic configuration template according to the product type and product responsibility information of the product. Figure 5 As shown, according to the product type and product responsibility information of the target product, reading multiple target initial configuration assignments in the basic configuration template includes the following steps S51 to S53:

[0059] S51: extracting multiple candidate responsibility items from the basic configuration template.

[0060] Since the basic configuration template contains the responsibility items and initial configuration assignments corresponding to various product types, the server will first screen out multiple candidate responsibility items in the basic configuration template, where the product label marked on each candidate responsibility item is the same as the product type of the target product.

[0061] For example, if the target product is a health insurance product, the product type of the target product is "health insurance". The server will search for all liability items marked with the "health insurance" product label in the basic configuration template and extract them as candidate liability items. These candidate liability items may include compensation for hospitalization medical expenses, compensation for outpatient medical expenses, compensation for major diseases, and other aspects.

[0062] S52: parsing the product responsibility information, determining a plurality of responsibility items to be configured included in the product responsibility information, and determining a corresponding target candidate responsibility item for each responsibility item to be configured among the plurality of candidate responsibility items.

[0063] After extracting the candidate liability items, the server needs to further parse the product liability information of the target product to determine which liability items need to be configured, that is, the liability items to be configured. Product liability information is information that contains multiple liability item names and descriptions. The server will determine the target candidate liability item corresponding to each liability item to be configured by comparing the liability item names in the product liability information with the project names of the candidate liability items, ensuring that the liability items to be configured and the candidate liability items can correspond one-to-one, so that the initial configuration assignment can be accurately read, that is, the project name of the target candidate liability item corresponding to the liability item to be configured is the same as the project name of the liability item to be configured. For example, if the product liability information includes the liability item "compensation for hospitalization medical expenses", the server will find the target candidate liability item with the project name "compensation for hospitalization medical expenses" in the candidate liability items, and use it as the corresponding item of the liability item to be configured.

[0064] S53: reading the initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured in the basic configuration template as a target initial configuration value, and obtaining multiple target initial configuration value assignments.

[0065] After determining the liability items to be configured and their corresponding target candidate liability items, the server will read the initial configuration assignment of the target candidate liability items corresponding to each liability item to be configured in the basic configuration template. The server will save the read initial configuration assignment as the target initial configuration assignment and prepare it for the subsequent operation of generating initial claim rules.

[0066] For example, for the liability item to be configured, "hospitalization medical expense compensation", assuming that the server reads the initial configuration assignment of the target candidate liability item as "compensation ratio is 80%, compensation limit is 200,000 yuan per year, and deductible is 10,000 yuan", then the server saves these assignments as the target initial configuration assignments. After this step of operation, the server obtains multiple target initial configuration assignments, which will serve as the basic data for generating the initial claim rules.

[0067] Through this series of steps, the server can accurately read the initial configuration assignments of liability items that match the target product from the basic configuration template, providing reliable data support for the subsequent generation of initial claims rules.

[0068] S60: Generate initial claim rules by using multiple target initial configuration assignments, and send the initial claim rules to the rule receiver.

[0069] After reading the target initial configuration values, the server will use these values ​​to generate an initial claim rule to guide the subsequent claim processing process. After generating the initial claim rule, the server will send it to the rule receiver, which can be the insurance company's claims department or customer service department. They will conduct a preliminary review and confirmation of the rule to ensure that it meets the company's business needs and make appropriate adjustments.

[0070] It should be noted that when generating the initial claim rules, some rules are actually related to each other, which belongs to the relationship between pre- and post-rules. Pre- and post-rules determine the execution order and triggering conditions of each rule in the claim process. Simply put, the pre-rule is the prerequisite for a claim rule to be executed. Only when the pre-rule is triggered or satisfied, the post-rule can be further triggered and executed. This mechanism ensures the rigor and logic of the claim process and avoids conflicts and confusion between rules. For example, in the claim rules of a health insurance product, there may be a pre-rule that "the insured is hospitalized for accidental injury" and the post-rule is "compensation is made according to the hospitalization medical expenses compensation ratio." In this example, only when the insured is indeed hospitalized for accidental injury (that is, the pre-rule is triggered), will the insurance company pay according to the hospitalization medical expenses compensation ratio (that is, the post-rule). Therefore, when generating the initial claim rules, it is necessary to consider whether there are pre- and post-rules between the rules, and pay special attention to the logical relationship and triggering conditions between the rules. For example Figure 6 As shown, the process of generating the initial claim settlement rules by using multiple target initial configuration assignments includes the following steps S61 to S65:

[0071] S61: Extract any target initial configuration assignment from multiple target initial configuration assignments as the first target initial configuration assignment, determine the first target responsibility item to be configured corresponding to the first target initial configuration assignment from the multiple responsibility items to be configured included in the product responsibility information, associate the first target initial configuration assignment with the first target responsibility item to be configured, and obtain a first responsibility item information group.

[0072] The server first selects one of the multiple target initial configuration assignments as the first target initial configuration assignment, and determines the responsibility item to be configured in the product responsibility information corresponding to the assignment, that is, the first target responsibility item to be configured. Then, the initial configuration assignment is associated with the responsibility item to be configured to form a responsibility item information group including the responsibility item name and the initial configuration assignment.

[0073] Assume that the target product is a health insurance that includes two liability items: "hospitalization medical expense compensation" and "outpatient medical expense compensation". In the basic configuration template, two target initial configuration assignments are extracted, namely the initial configuration assignment of "hospitalization medical expense compensation" (such as compensation ratio of 80%, compensation limit of 100,000 yuan) and the initial configuration assignment of "outpatient medical expense compensation" (such as compensation ratio of 50%, compensation limit of 5,000 yuan). First, select the initial configuration assignment of "hospitalization medical expense compensation" as the first target initial configuration assignment, and determine that its corresponding first target liability item to be configured is "hospitalization medical expense compensation". Then, associate this initial configuration assignment with the liability item to be configured to form a liability item information group, such as "Liability item name: hospitalization medical expense compensation, initial configuration assignment: compensation ratio of 80%, compensation limit of 100,000 yuan".

[0074] S62: Read the first assignment content of the first target initial configuration assignment, and identify whether the first assignment content includes an associated responsibility item.

[0075] Next, the server reads the value content of the first target initial configuration value and checks whether the content contains information associated with other responsibility items, namely, associated responsibility items. These associated responsibility items may be other responsibility items involved in the pre-rule or post-rule.

[0076] Assume that there is an implicit association condition in the initial configuration assignment of "hospitalization medical expenses compensation", namely, "if the hospitalization medical expenses exceed 50,000 yuan, an additional 10,000 yuan of rehabilitation expenses will be paid", then the "hospitalization medical expenses compensation" here can be regarded as a prerequisite rule, which is related to another liability item "rehabilitation expenses compensation".

[0077] S63: When it is identified that the first assignment content includes an associated responsibility item, the target initial configuration assignment that matches the associated responsibility item is extracted from multiple target initial configuration assignments as the second target initial configuration assignment, and among multiple responsibility items to be configured, the second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined, the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group.

[0078] If the first assignment content contains associated liability items, the server will search for target initial configuration assignments that match these associated liability items in the remaining target initial configuration assignments and determine their corresponding liability items to be configured. Then, new liability item information groups are generated for these matching liability items and associated as post-rules of the first liability item information group. In this way, a claim rule chain containing pre-rules and post-rules is formed.

[0079] Continuing with the above example, the liability item "compensation for rehabilitation expenses" can be regarded as a post-rule of "compensation for hospitalization medical expenses". The server will find the target initial configuration assignment matching "compensation for rehabilitation expenses" in the basic configuration template (assuming a fixed payment of 10,000 yuan) and associate it with the liability item information group of "compensation for hospitalization medical expenses". In this way, a claim rule chain containing pre-rules and post-rules is formed.

[0080] S64: Continue to read the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes associated liability items, and when it is determined that there are associated liability items, extract the target initial configuration assignment that matches the associated liability items from multiple target initial configuration assignments as the third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include associated liability items, and obtain a claim rule information.

[0081] The server will continue to read the assignment content in the post-rule and check whether there are any associated liability items. If so, the server will repeat the above steps to generate new post-rules for these associated liability items and associate them with the previous liability item information group. This process will continue until the currently identified assignment content no longer contains associated liability items, and finally a complete claim rule information is formed.

[0082] S65: Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information, until each target initial configuration assignment is traversed, and all the obtained claim rule information is used as the initial configuration claim rule.

[0083] Among them, other target initial configuration assignments are target initial configuration assignments other than the target initial configuration assignments that have participated in the generation of claim rule information among multiple target initial configuration assignments, that is, the server will re-extract any target initial configuration assignments from other target initial configuration assignments that have not participated in the generation of claim rule information, and repeat the above steps to generate corresponding claim rule information for them. This process will continue until all target initial configuration assignments are traversed. Finally, the server will integrate all the obtained claim rule information together to form the initial configuration claim rules, and send these rules to the rule receiver.

[0084] Through such an implementation plan, the server can accurately generate initial claims rules including pre- and post-rules based on the product liability information of the target product and the initial configuration assignment in the basic configuration template, providing strong support for the subsequent claims process.

[0085] When generating the initial claim rules above, the establishment of the pre- and post-rule mechanism is achieved by establishing the association between the pre- and post-rules. In the actual application process, in order to better handle different types of insurance policies and claim cases, the server can also set the pre- and post-rule templates, and distinguish the insurance policy types into group and individual policies. At the same time, when the template data is stored in the database, it will be distinguished according to the self-verification type, including direct compensation cases, quick compensation cases and ordinary cases.

[0086] For example, an insurance company recently launched a new group insurance product and synchronized it to the server. According to the configuration, this new group order is automatically assigned three initial claim template configurations: [Direct Claim Case Group], [Three-Day Claim Case Group Order] and [Ordinary Case Group Order]. These template configurations ensure that different types of claims cases can be efficiently processed according to established rules.

[0087] At the same time, the product factory also launched a new personal insurance product and synchronized it to the server. This new product was also automatically configured with three initial claim templates: [Direct Claim Case Individual Order], [Three-Day Claim Case Individual Order], and [Ordinary Case Individual Order].

[0088] Not long after, a corporate customer who purchased a new group order had an accident and reported it to the insurance company. The server recognized that the case met the conditions for a three-day compensation case, and automatically triggered the corresponding claims process. In this process, the server will run the pre- and post-rules according to the two template configurations of [Three-day compensation case group order] and [Ordinary case group order]. Since these two templates may contain the same or similar pre- and post-rules, but the server is designed to give priority to the [Three-day compensation case group order] rules when a conflict occurs, the case will be processed according to the fast claims process for three-day compensation cases.

[0089] In this way, by flexibly configuring templates, the pre- and post-rules can be correctly associated and correctly executed in the claims process, thereby achieving efficient management of different types of insurance policies and claims cases. This application does not specifically limit the means used to set the pre- and post-rule mechanism.

[0090] S70: When receiving feedback information returned by the rule receiver in response to the initial claim settlement rules, the initial claim settlement rules are adjusted using the feedback information to obtain product claim settlement rules for the target product.

[0091] After receiving the initial claims rules, the rule receiver will conduct a detailed review and test. They may find some problems or deficiencies in the initial claims rules, such as the compensation ratio is too high, which increases the company's risk, and the compensation limit is too low to meet customer needs. At this time, they will return feedback information to the server, point out the problem and make modification suggestions. After receiving these feedback information, the server will adjust and optimize the initial claims rules according to the suggestions. For example, if the rule receiver believes that the compensation ratio is too high, the server will adjust the compensation ratio from 80% to 75%; if the compensation limit is too low, the server will increase the compensation limit from 200,000 yuan per year to 300,000 yuan per year. After such adjustments, the server will get a more complete product claims rule that better meets the needs of the company and customers. This rule will be officially applied to the subsequent claims processing process to provide more accurate and efficient claims services for the insured.

[0092] Among them, Figure 7 As shown, the server can automatically perform the claim operation using the product claim rules and generate a claim plan, which specifically includes the following steps S80 and S90:

[0093] S80: When a claim settlement request related to the target product is received, basic information of the pending claim settlement case is obtained.

[0094] When an insurance company or related service platform receives a claim request related to a specific product (such as auto insurance, health insurance, etc.), the server will automatically trigger the information acquisition mechanism. For example, suppose a customer submits a claim application for damage to his car due to a traffic accident. The server will first identify that the application is for auto insurance, and then automatically extract basic information from the document or online form submitted by the customer, including but not limited to: the customer's name, policy number, date and time of the accident, location of the accident, model and license plate number of the damaged vehicle, estimated amount of loss, whether there are any injuries, etc. In addition, if the server has integrated an interface with a third-party data source (such as a traffic police accident recording system), it may also automatically obtain more accident details, such as liability determination.

[0095] S90: Generate a claim plan based on basic information and product claim rules, and output the claim plan.

[0096] After collecting all the necessary basic information, the server will automatically enter the claim plan generation stage. At this stage, the server will evaluate the rationality of the claim request and the amount of compensation according to the product claim rules. Continuing with the example of car insurance claims, the server will calculate a reasonable amount of compensation based on factors such as the current value of the vehicle, the scope of insurance coverage (such as whether it includes full insurance, whether the deductible has been purchased, etc.), the accident liability ratio, and the average cost of the repair market. At the same time, the server will also consider whether a deductible applies and whether the customer needs to provide additional supporting documents (such as repair invoices, photos of the accident scene, etc.).

[0097] Once the claim settlement plan is determined, the server will automatically generate a detailed claim report, which includes an overview of the claim request, basic information verification results, application analysis of claim rules, calculation process and final result of compensation amount, and matters that customers need to cooperate with (such as submitting additional materials, confirming the payment account, etc.). This report will then be pushed to the customer instantly via email, SMS or client notification, and will also be archived in the insurance company's internal system for subsequent review and tracking.

[0098] Through such automated processes, insurance companies can handle claims requests efficiently and accurately, improve customer satisfaction, and reduce human errors and operating costs.

[0099] It can be seen that in the above scheme, in response to the product claim rule configuration request, the target product for which the claim rule configuration is to be performed is determined, and according to the product type and product liability information of the target product, multiple target initial configuration assignments are read in the basic configuration template, and the initial claim rules are generated by using the multiple target initial configuration assignments. The initial claim rules are sent to the rule receiver, and when the feedback information returned by the rule receiver for the initial claim rules is received, the initial claim rules are adjusted using the feedback information to obtain the product claim rules for the target product. When a new insurance claim product is launched or the existing product claim rules need to be adjusted, the server can automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human errors and speeding up the generation of product claim rules. At the same time, it also improves the overall work efficiency of claims and shortens the claims processing time.

[0100] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0101] In one embodiment, a configuration device for product claim rules is provided, and the configuration device for product claim rules corresponds one-to-one to the configuration method for product claim rules in the above embodiment. Figure 8 As shown, the configuration device of the product claim rules includes a determination module 101, a reading module 102, a generation module 103 and an adjustment module 104. The detailed description of each functional module is as follows:

[0102] The determination module 101 is used to determine the target product for which claim rules are to be configured in response to a product claim rules configuration request;

[0103] The reading module 102 is used to read multiple target initial configuration assignments in the basic configuration template according to the product type and product responsibility information of the target product;

[0104] The generating module 103 is used to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and send the initial claim settlement rule to a rule receiver;

[0105] The adjustment module 104 is used to adjust the initial claim settlement rules using the feedback information returned by the rule receiver for the initial claim settlement rules to obtain the product claim settlement rules for the target product.

[0106] In one embodiment, the device further comprises:

[0107] A first acquisition module is used to acquire a plurality of preset liability items, and determine at least one designated product matching each of the liability items among a plurality of products for which rule configuration has been completed, wherein the product claim rules of the designated product matching the liability item include the liability item;

[0108] A setting module is used to perform the following processing on each of the responsibility items: setting at least one product tag for the responsibility item according to the product type of at least one designated product matching the responsibility item, and setting an initial configuration value for the responsibility item with reference to the at least one product tag;

[0109] A construction module is used to construct the basic configuration template by using the multiple responsibility items that have completed the product label setting and the initial configuration value assignment setting.

[0110] In one embodiment, the setting module is used to:

[0111] Obtaining default configuration parameters matching the at least one product tag, using the item default values ​​in the default configuration parameters to set an initial configuration value for the responsibility item, and using the sub-item default values ​​in the default configuration parameters to set an initial configuration value for at least one sub-item included in the responsibility item, to complete the operation of setting an initial configuration value for the responsibility item; or,

[0112] Input the at least one product label and the responsibility item into the assignment model, set an initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting the initial configuration assignment for the responsibility item.

[0113] In one embodiment, the setting module is used to

[0114] Acquire a plurality of preset rule features output by the assignment model and matching the at least one product label;

[0115] Using the assignment model, determining at least one corresponding target preset rule feature for the responsibility project and each of the sub-projects from among the plurality of preset rule features;

[0116] The characteristic information of at least one corresponding target preset rule characteristic is used to set initial configuration values ​​for the responsibility item and each of the sub-items, thereby completing the operation of setting initial configuration values ​​for the responsibility item.

[0117] In one embodiment, the reading module 102 is used to:

[0118] Extracting a plurality of candidate responsibility items from the basic configuration template, wherein a product label annotated on each of the candidate responsibility items is the same as a product type of the target product;

[0119] Parsing the product responsibility information, determining a plurality of responsibility items to be configured included in the product responsibility information, and determining a corresponding target candidate responsibility item for each of the plurality of candidate responsibility items to be configured, wherein the project name of the target candidate responsibility item corresponding to the responsibility item to be configured is the same as the project name of the responsibility item to be configured;

[0120] The initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured is read in the basic configuration template as a target initial configuration value to obtain the multiple target initial configuration values.

[0121] In one embodiment, the generating module 103 is used to:

[0122] Extract any target initial configuration assignment from the multiple target initial configuration assignments as a first target initial configuration assignment, determine a first target responsibility item to be configured corresponding to the first target initial configuration assignment from the multiple responsibility items to be configured included in the product responsibility information, associate the first target initial configuration assignment with the first target responsibility item to be configured, and obtain a first responsibility item information group;

[0123] Reading the first assignment content of the first target initial configuration assignment, and identifying whether the first assignment content includes an associated responsibility item;

[0124] When it is identified that the first assignment content includes the associated responsibility item, the target initial configuration assignment matching the associated responsibility item is extracted from the multiple target initial configuration assignments as the second target initial configuration assignment, and among the multiple responsibility items to be configured, the second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined, and the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group;

[0125] Continue to read the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes an associated liability item, and when it is determined that an associated liability item exists, extract the target initial configuration assignment matching the associated liability item from the multiple target initial configuration assignments as a third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include an associated liability item, and obtain a claim settlement rule information;

[0126] Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information, until each of the target initial configuration assignments is traversed, and all the obtained claim rule information is used as the initial configuration claim rule, wherein the other target initial configuration assignments are the target initial configuration assignments among the multiple target initial configuration assignments except the target initial configuration assignments that have participated in the generation of claim rule information.

[0127] In one embodiment, the device further comprises:

[0128] A second acquisition module is used to acquire basic information of the pending claim case when receiving a claim request related to the target product;

[0129] The output module is used to generate a claim settlement plan by referring to the basic information and the product claim settlement rules, and output the claim settlement plan.

[0130] The present invention provides a configuration device for product claim rules. In response to a product claim rule configuration request, the device determines a target product for which claim rules are to be configured, reads multiple target initial configuration assignments in a basic configuration template according to the product type and product liability information of the target product, generates initial claim rules using the multiple target initial configuration assignments, and sends the initial claim rules to a rule receiver. When feedback information returned by the rule receiver for the initial claim rules is received, the initial claim rules are adjusted using the feedback information to obtain product claim rules for the target product. When a new insurance claim product is launched or the existing product claim rules need to be adjusted, the server can automatically read and apply the relevant initial configuration assignments from the basic configuration template according to the specific type and liability information of the product to generate preliminary claim rules without manual intervention, thereby reducing the possibility of human errors and speeding up the generation speed of product claim rules. At the same time, the overall work efficiency of claims is also improved, and the claim processing time is shortened.

[0131] For the specific definition of the configuration device of the product claim rules, please refer to the definition of the configuration method of the product claim rules above, which will not be repeated here. Each module in the above-mentioned configuration device of the product claim rules can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0132] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Fig. 9 As shown. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client through a network connection. When the computer program is executed by the processor, it realizes the functions or steps on the server side of an intelligent question-answering processing method based on artificial intelligence.

[0133] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Fig.10As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the client side of a method for configuring a product claim rule

[0134] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0135] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0136] Reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product;

[0137] Generating initial claim rules by using the multiple target initial configuration assignments, and sending the initial claim rules to a rule receiver;

[0138] When the feedback information returned by the rule receiver in response to the initial claim settlement rule is received, the initial claim settlement rule is adjusted using the feedback information to obtain the product claim settlement rule of the target product.

[0139] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0140] In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed;

[0141] Reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product;

[0142] Generating initial claim rules by using the multiple target initial configuration assignments, and sending the initial claim rules to a rule receiver;

[0143] When the feedback information returned by the rule receiver in response to the initial claim settlement rule is received, the initial claim settlement rule is adjusted using the feedback information to obtain the product claim settlement rule of the target product.

[0144] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0145] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0146] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0147] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention.

Claims

1. A method for configuring product claim rules, characterized in that: include: In response to a product claim rule configuration request, determining a target product for which claim rule configuration is to be performed; Reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product; Generating initial claim rules by using the multiple target initial configuration assignments, and sending the initial claim rules to a rule receiver; When the feedback information returned by the rule receiver in response to the initial claim settlement rule is received, the initial claim settlement rule is adjusted using the feedback information to obtain the product claim settlement rule of the target product.

2. The method according to claim 1, characterized in that: Before determining the target product for which claim settlement rule configuration is to be performed in response to the product claim settlement rule configuration request, the method further includes: Acquire a plurality of preset liability items, and determine at least one designated product matching each of the liability items among a plurality of products for which rule configuration has been completed, wherein the product claim rules of the designated product matching the liability item include the liability item; Performing the following processing on each of the responsibility items: setting at least one product tag for the responsibility item according to the product type of at least one designated product matching the responsibility item, and setting an initial configuration value for the responsibility item with reference to the at least one product tag; The basic configuration template is constructed by using the multiple responsibility items that have completed product label settings and initial configuration value assignment settings.

3. The method according to claim 2, characterized in that The step of setting an initial configuration value for the responsibility item with reference to the at least one product tag includes: Obtaining default configuration parameters matching the at least one product tag, using the item default values ​​in the default configuration parameters to set an initial configuration value for the responsibility item, and using the sub-item default values ​​in the default configuration parameters to set an initial configuration value for at least one sub-item included in the responsibility item, to complete the operation of setting an initial configuration value for the responsibility item; or, Input the at least one product label and the responsibility item into the assignment model, set an initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model, and complete the operation of setting the initial configuration assignment for the responsibility item.

4. The method according to claim 3, characterized in that The setting of initial configuration assignment for the responsibility item and at least one sub-item included in the responsibility item based on the assignment model includes: Acquire a plurality of preset rule features output by the assignment model and matching the at least one product label; Using the assignment model, determining at least one corresponding target preset rule feature for the responsibility project and each of the sub-projects from among the plurality of preset rule features; The characteristic information of at least one corresponding target preset rule characteristic is used to set initial configuration values ​​for the responsibility item and each of the sub-items, thereby completing the operation of setting initial configuration values ​​for the responsibility item.

5. The method according to claim 1, characterized in that: The step of reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product includes: Extracting a plurality of candidate responsibility items from the basic configuration template, wherein a product label annotated on each of the candidate responsibility items is the same as a product type of the target product; Parsing the product responsibility information, determining a plurality of responsibility items to be configured included in the product responsibility information, and determining a corresponding target candidate responsibility item for each of the plurality of candidate responsibility items to be configured, wherein the project name of the target candidate responsibility item corresponding to the responsibility item to be configured is the same as the project name of the responsibility item to be configured; The initial configuration value of the target candidate responsibility item corresponding to each responsibility item to be configured is read in the basic configuration template as a target initial configuration value to obtain the multiple target initial configuration values.

6. The method according to claim 1, characterized in that The step of using the multiple target initial configuration assignments to generate initial claim rules includes: Extract any target initial configuration assignment from the multiple target initial configuration assignments as a first target initial configuration assignment, determine a first target responsibility item to be configured corresponding to the first target initial configuration assignment from the multiple responsibility items to be configured included in the product responsibility information, associate the first target initial configuration assignment with the first target responsibility item to be configured, and obtain a first responsibility item information group; Reading the first assignment content of the first target initial configuration assignment, and identifying whether the first assignment content includes an associated responsibility item; When it is identified that the first assignment content includes the associated responsibility item, the target initial configuration assignment matching the associated responsibility item is extracted from the multiple target initial configuration assignments as the second target initial configuration assignment, and among the multiple responsibility items to be configured, the second target responsibility item to be configured corresponding to the second target initial configuration assignment is determined, and the second target initial configuration assignment is associated with the second target responsibility item to be configured to obtain a second responsibility item information group, and the second responsibility item information group is used as a post-rule of the first responsibility item information group and associated with the first responsibility item information group; Continue to read the second assignment content of the second target initial configuration assignment, identify whether the second assignment content includes an associated liability item, and when it is determined that an associated liability item exists, extract the target initial configuration assignment matching the associated liability item from the multiple target initial configuration assignments as a third target initial configuration assignment, generate a third liability item information group for the third target initial configuration assignment, and use the third liability item information group as a post-rule of the second liability item information group and associate it with the second liability item information group, until the currently identified assignment content does not include an associated liability item, and obtain a claim settlement rule information; Re-extract any target initial configuration assignment from other target initial configuration assignments and generate claim rule information, until each of the target initial configuration assignments is traversed, and all the obtained claim rule information is used as the initial configuration claim rule, wherein the other target initial configuration assignments are the target initial configuration assignments among the multiple target initial configuration assignments except the target initial configuration assignments that have participated in the generation of claim rule information.

7. The method according to claim 1, characterized in that The method further comprises: When receiving a claim request related to the target product, obtaining basic information of the pending claim case; Referring to the basic information and the product claim settlement rules, a claim settlement plan is generated, and the claim settlement plan is output.

8. A configuration device for product claim rules, characterized in that: include: A determination module, configured to determine a target product for which claim rules are to be configured in response to a product claim rules configuration request; A reading module, used for reading multiple target initial configuration assignments in a basic configuration template according to the product type and product responsibility information of the target product; A generation module, used to generate an initial claim settlement rule by using the multiple target initial configuration assignments, and send the initial claim settlement rule to a rule receiver; The adjustment module is used to adjust the initial claim rules using the feedback information returned by the rule receiver for the initial claim rules to obtain the product claim rules for the target product.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method for configuring the product claim rules as described in any one of claims 1 to 7 are implemented.

10. A storage medium, wherein the computer-readable storage medium stores a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method for configuring the product claim rules as described in any one of claims 1 to 7 are implemented.

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